There are a few local B&M merchants here that are using a specific model of chip readers, if recollection serves me correctly they're all readers from First Dat

There are a few local B&M merchants here that are using a specific model of chip readers, if recollection serves me correctly they're all readers from First Data, that are astonishingly fast -- at least compared to the all the others, which you've quite-accurately described. Every time I go to the local mom-and-pop butcher shop I commend them on their chip reader's super fast processing speed -- and each time they comment that "Thanks, everyone says that!". I find it incredibly funny and frustrating that their card reader is so fast, enough so that others have noticed & commented on it too, while everywhere else -- the local chain grocery stores for instance -- consistently have roughly >=1 minute processing times. Also frustrating? The cashier has finished ringing my items up. I put my card in, select "No cash back", type in my PIN number, it thinks for a bit ... and then, it asks me if I want to confirm the charges?! No, I don't, I just typed in my PIN for kicks! I get it, it's to verify the amount, but I'd love to know what percent of the time a user [intentionally] selects "No" at that screen -- I probably _accidentally_ select "No" about 5% of the time, and roughly 0% of the time have I ever intended to select "No". Small things, but annoying UX overall. I'd think that many larger chain retailers are working on this. Some may have it solved w/ more "proprietary" systems; I don't shop at Target much lately, but I recall their payment UX being superior to most, unsure if their chip system is too though. I'd love to get the speed of swiping back! :-)